thanks for your advice, should I reply requested a SAR addressing this to the PPI Complaint team or my local branch? Should I respond in writing now to the PPI Complaints team in response to their offer .. detailing that I am requested an SAR and challenge the amount they have offered as I have different figures and quote the figures they told me over the phone? Perhaps in response they may increase their offer?

i've been offered £3306 ( including interest) following a telephone enquiry I made to HSBC about possible PPI I may have had on two loans I took out for £8000 in 2002 and a consolidated loan of £16500 in 2004. I never completed the forms they sent me. I took the liberty of phoning HSBC and said I would like a breakdown to reconcile with my figures as it didn't seem right... I have no paperwork or figures. The customer service agent may have slipped up but told me I had premiums of £1380.20 & £3964.26 on both of the loans and would ask for soemone at HSBC to call me back if I wasnt happy with my redress offer, in fact they could not wait to pass my enquiry on for someone to call me back within 5 days, almost suggesting I should. 10 days later I have heard nothing. I calculate from the information i gleaned from the phone call that I have paid £5,200 wrongly in PPI premiums but they are only actually offering me £3306 .. which also includes interest? The breakdown is below, my question is I don't have time to wait for Financial Ombudsman Service.. 18-24 months ... as I am migrating out of the country in 3 months. What next steps should I take with HSBC or should I accept their 'without prejudice' offer? Loans were paid off in full in April 2009 - I think I made a lump sum £13000 payment for which I would have got interest redemption figure. Original Loans: November 2002 £8000 -48 month loan June 2004 consolidated £16500 -72 month loan They have sent me an offer broken down as the following: HSBC Personal Loan Protection Plan £8000 Loan PPI Premium Redress £662.78 Plus taxable interest at 8% £517.89 less Basic Rate TYax £103.58 OFFER = £1077.09 HSBC Personal Loan Protection Plan 16500 loan PPI Premium Redress £1467.92 Plus taxable interest at 8% £951.70 less basic rate Tax £190.34 OFFER = £2229.28 TOTAL OFFER = £3306.37

So further to this I drove to where the car was issued a PCN, trying to put myself in a neutral position there are a fair few signs around so it is reasonably clear, Parking Control Services seem to be within their rights to issue a PCN. I agree the way they have written their letter is out of order but in essence a penalty still applies. Should this still be paid or just leave it? Whats the worse case scenario in terms of costs if they want to follow it up. Now its £75.00, in 14 days its £150, then with ay extra costs for collections e.t.c? I believe they have no right to clamp the car at my home address as she is not the registrered keeper, thats a matter they need to take up directly with her if she doesn't pay.

I wonder If I should reply stating their threats are illegal and if they took to court thiese threatening letters would be frowned upon by courts of law. In addition if they send me any more letters of communication I will bring it up with their client i.e the college which would not look good should they wish to renew their contract with the land owners of the college next year Or I just ignore !

Appeal Letter sent to PCS 19th March 2011 To Whom it May concern, I write to you to appeal against my parking charge dated 19/03/11, location L001524. I am a student of Oaklands College studying for my BHS stage 2 exams. I have been taking this course for the 18 months and have always parked in this area without question, all my fellow students have also parked in this area without question. I have never noticed any signs in that area. I have spoken to my tutorand she advised to contact yourselves. The only sign I could see when looking is attached which is half a sign. I have recently been made redundant , am taking this course to help with future employment moving into student accommodation and this car is not mine. I really can't afford £75. I have attached the half a sign and my college pass for you consideration in this appeal.

Letter In relation to the above matter we acknowledge receipt of your appeal letter and the contents have been noted There are warning signs situated throughout Oaklands College which state; Warning , Pay Display Car park, failure to comply will result in the vehicle being issued with a Parking Charge Notice without any notice given As the vehicle was not displaying a valid pay and display ticket or permit ( having checked photographs of when the vehicle was issued a PCN) as clearly stated on the warning signs, the vehicle was issued with a PCN The responsibility to observe and obey parking restrictions is yours. We require full payment within the time frame set out on the reverse of your parking charge notice. If payment is not received we may clamp and or remove your vehicle from the owner's home address without notice I have enclosed a photo of the main signage. Yours sincerely Appeals Dept

Another annoyed victim of Parking Control Services - by the way I live iin St Albans so I don't know if they are expanding from London. I'm the registered keeper my partner parked the car in a university where she is a part time student. . I have pictures of a half broken sign where the car was parked and posted to withe the appeal. Its on a University / College Campus where my partner takes riding lessons and is also a student regularly at weekends. Never had a problem for a year. There are signs on the campus but this is like a side agricultural part away from the main parking which she hadn't noticed but as I say has a half broken sign., l. Ive appealed with a strong letter as she is 1) Part time member of the college - pass was photocopied and sent to them , not a parking pass but a student pass. 2) She is being made redundant in 3 weeks 3) Its not her car 4) the sign was broken , old and decrepid. They have sent a letter back attaching photos of the main parking signs some 100 yards away , which is a clearly designated parking area. They have stated in writing that if payment is not received they may clamp or remove the vehicle from the owners home address. Is this even legal as I was not driving the car?? I just want to write them a letter with the most insulting language they have ever heard right now! Plus to see someone you care about coming home in tear because they are about to be made.......********!!!!!! I'm stubborn and this site has re-confirmed 'Im not letting her pay, they can go whistle. However we are due to be apply for a mortgage in the next 12 months will they be able to enforce a CCJ. To be honest if they did I guess I would just keep the paperwork and i'm sure for such a little amount the banks would take that into consideration. Thanks for reading..... what are your thoughts?